Our Blog

The ABCs of Education Investing

With school back in session, many parents are likely thinking about how best to prepare for their children’s future college expenses. Now is a good time to sharpen one’s pencil for a few important lessons before heading back into the investing classroom to tackle the issue.

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Kiddie Tax Simplification

Another benefit of the new tax law which is in effect for 2018, is a change in the so called ‘kiddie tax’ which served to simplify the rule to some degree.

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Social Security Goes Upside-Down

In early June the trustees who run Medicare and Social Security released a report that said that the Medicare program will become insolvent in 2026 and Social Security will face a similar fate in 2034. For the first time in many a decade the combined Social Security trust funds as well as the Medicare hospital insurance trust fund will begin eating into their reserves later this year.

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Alimony Deduction Eliminated

One of the little discussed provisions of the Tax Cuts and Jobs Act of 2017 is one that impacts alimony payments. Prior to the new law, alimony payments were deductible off the payer’s income, just like mortgage interest or real estate taxes; and the payments were counted as income by the recipient spouse. The new law makes alimony payments nondeductible for the payer and non-taxable for the recipient.

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Keep that HELOC?

We are getting many questions on the Tax Cuts and Jobs Act of 2017 which is now law. One item in particular has generated a lot of questions: changes in the mortgage and home equity loan interest deduction.

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Return to Normal

Since the financial crisis in 2009 the Dow Jones Industrial Average steadily rose from about 6,000 to over 26,000 in January of this year; it has declined nearly 10% in recent days.

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Why Diversify?

It’s not always easy to grasp the value of diversification—why, in other words, it’s better to own many stocks inside a mutual fund than one or two stocks on their own. 

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Why Rebalance?

You probably know that your investment portfolio is being rebalanced on a regular basis, but you might not know why.  Is it for higher returns? For maintaining the agreed-upon balance of investments that is in your risk tolerance comfort zone?  Does rebalancing help manage portfolio risk?

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ACA Open Enrollment Deadline Nears

Each year, the Affordable Care Act—popularly known as Obamacare—creates a period when health insurance policyholders can buy or change their coverage through state exchanges or the government website.

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